Home Employment Insurance

Designed specifically for individual employers

Complete Protection

If you employ a personal assistant or carer to help with your independent living, this policy is for you.

Employers' Liability
In the event that your employee suffers injury or illness whilst working for you.
Public Liability
As a consequence of bodily injury or property damage to a third party while care is taking place.
Employment Support
Proactive employment support available 24 hours a day 7 days a week through a variety of means.
No Excess
We do not require any contribution to a claim meaning your funding is reserved for what really matters.
Personal Possessions
Repair or replacement to the possessions of your Personal Assistant if they are damaged whilst care is taking place.
Legal Expenses
Upgrade to our plus or deluxe policy and receive cover for your legal expenses following an employment dispute.

Get a quote

You will need the following information
Details of care provider.
Your address.
A contact email.
Your date of birth.
* denotes a mandatory field.
Or call us on
01476 514478
To discuss your Home Employment Insurance needs and options.

ILG Logo White

We are delighted to be partnering with the Independent Living Group, a national peer support group aiming to help others just like you navigate social care, health and employment.

Best Practice
We want to utilise our national networks to share and promote great examples of personalised support in action.
Expert Content
Partnering with industry leading organisations to provide expert blogs, tools and documents.
Members Resources
Individual employer guidance and factsheets regularly updated for you, including newsletters and video tutorials.

Looking After Individual Employers

Proactive Employment Support
Employment advice and legal support tailored around the specific needs of individual employers of Personal Assistants. Our pro-active, personalised approach to legal advice is designed to ensure everyone gets the level of service they require precisely when they need it. We understand that support for Direct Payments and Personal Health Budget recipients operates best when it is tailored around the needs of individuals.
Premier Club Rewards For All
As a thank you for being a customer you, and all of your PAs will get FREE and exclusive access to The Premier Club Rewards. Full of exciting offers that will save you money on some of the biggest brands from the high street, on-line and top-notch days out.
A Place to Thrive
As partners we will work with you to provide all of your employers exclusive access to support groups both online and in person. Providing a peer to peer network with people in similar situations that our policy holders find invaluable.

FAQ

If you are employing a carer or PA you legally require Employers Liability Insurance. This is covered in all of our Home Employment insurance policies.

If your carer is self-employed (they pay their own tax and national insurance) you do not need the Employers Liability cover but may still wish to be covered for Public Liability. We also offer a Personal Care Assistant policy for self-employed carers.

There are no limits on the number of carers covered with the Home Employment Insurance policy.

The employer is the person looking after the affairs of the person receiving care, this could also be the same person.

Yes. Whenever they are with the carer, either inside or outside the home, the insurance will still cover them.

Yes. Redundancy is covered under our Plus and Deluxe policies.

We offer a 24/7 legal advice helpline through the ILG Support. They offer excellent and professional HR advice tailored to direct payments clients and they can help with any legal and/or employment queries you may have. This essential service can also be contacted by support teams and local authorities as well as our service users.